AAA ranks high in affordability and receives fewer than average complaints, according to the National Association of Insurance Commissioners (NAIC) complaints index. However, it has limited optional coverage options and does not offer members unique discounts. MoneyGeek scored AAA 84 out of 100 based on its customer service, affordability and financial strength ratings.
Does AAA Have Good Customer Service?
AAA homeowners insurance received a MoneyGeek score of 84 out of 100 based on affordability, customer satisfaction and financial stability ratings. AAA is one of the more affordable companies for homeowners insurance and gets good customer satisfaction scores. It also ranks highly in financial stability and has a 0.37 NAIC complaints ratio, indicating it receives fewer complaints than average.
Customer Satisfaction Rating
AAA ranks among the top five homeowners insurance companies for customer satisfaction, according to a 2021 J.D Power customer satisfaction survey, with an overall score of 834 out of 1,000. When choosing a homeowners insurance provider, the customer satisfaction rating is important since it indicates the quality of service you can expect. MoneyGeek ranks AAA at 3.96 out of 5 for customer service.
Customer Complaint Index
Compared to the average median NAIC complaints ratio of 1.00, AAA has a fewer than average complaints ratio of 0.37. This means AAA homeowners insurance receives fewer complaints than the average insurance company.
Financial Stability Rating
AM Best gives AAA’s financial strength an A (Excellent) rating meaning that this insurer has an excellent capacity to meet its financial obligations to customers. Financial strength is an important metric to consider when choosing a homeowners insurance company since it indicates the company’s ability to fulfill claims.
What to Expect From AAA Homeowners Insurance
Setting up a homeowners insurance policy with AAA is a straightforward process you can complete online. If you do not know where to start, MoneyGeek breaks down the key steps to getting a AAA homeowners insurance policy.
Getting a quote
You can get a AAA homeowners insurance quote online. Simply fill in your details on the company’s website and submit the provided form for an instant quote.
AAA has dedicated customer support available at 833-833-4970, but hours of operation will depend on your location. You can also reach the company via email.
Filing a claim
You can file a claim online by logging into your AAA account. Alternatively, you can call a representative on the 24/7 hotline specific to your area.
Canceling your policy
You can cancel AAA homeowners insurance online by logging into your account and requesting a cancellation or by speaking to an agent on the phone.
AAA gives policyholders several options to file homeowners insurance claims, including filing your claim online after logging into your account on the company website. You can also call an agent 24/7 on the hotline that applies to your specific AAA club area. Alternatively, you can file your claim in person by finding a AAA local agent in your area.
AAA offers homeowners insurance in Washington, D.C. and the following 25 states: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, Washington, West Virginia and Wyoming.
How Much Does AAA Homeowners Insurance Cost?
To find out how much AAA homeowners insurance costs, you can get an instant personalized quote on the AAA website or from a AAA agent. On average, homeowners insurance costs $1,979 per year, but actual rates will depend on your location, dwelling coverage, age and other considerations.
For the average homeowner, $250,000 in dwelling coverage offers sufficient protection, but it is best to figure out how much homeowners insurance you need by assessing the value of your home.
To get a homeowners insurance estimate based on your profile, use MoneyGeek’s home insurance calculator below.
Home Insurance Calculator
These are annual estimates. Get a personalized quote to determine your costs.
You can lower your homeowners insurance premiums by decreasing your coverage limits and increasing your deductible. However, if you need to rebuild, low coverage limits may leave you with high out-of-pocket costs.
What Discounts Does AAA Offer?
AAA advertises five discounts for its homeowners insurance policies, less than the average seven discounts most companies offer. However, apart from standard discounts, such as bundling and new home discounts, AAA offers rarer discounts for seniors over age 55.
You can bundle your auto insurance and AAA homeowners insurance policies for a discount on your premium.
AAA gives homeowners discounts for installing protective systems, such as burglar alarms and fire or smoke detectors.
If you are 55 or older, AAA will give you a discount on your homeowners insurance policy.
Major home renovations can make you eligible for AAA homeowners insurance discounts, depending on the type of renovation and when it was completed.
AAA offers discounts for newly constructed homes so you can save on premiums if your home is new.
AAA offers bundling discounts when you combine your home insurance policy with the company’s auto policy. You can save significantly on premiums if you are already a AAA auto insurance customer and purchase a AAA homeowners insurance policy.
Which Coverage Types Does AAA Offer?
Apart from the standard coverages, AAA advertises four optional coverages, fewer than the average most companies offer. Some of AAA’s standard coverages include personal property, personal liability, loss of use and jewelry and valuables coverages. You can also customize your policy with add-on coverages, like scheduled personal property or umbrella coverage.
AAA homeowners insurance also offers optional earthquake and flood damage coverage, if you live in an earthquake or flood-prone area.
AAA homeowners insurance offers limited endorsements or optional add-ons. You can choose from four available optional coverages.
Scheduled personal property
Allows you to purchase increased coverage for valuables that cost more than your personal property limits.
Reimburses you for damage to your home and personal belongings caused by floodwater.
Covers the cost of repairs to your home, personal property and additional living expenses if your residence becomes uninhabitable due to earthquake damage.
Protects against liability claims that go beyond your standard home policy’s limits.
When shopping for homeowners insurance, it’s important to choose a provider that offers all the standard coverages. You can then compare quotes from different providers to get the best options based on your needs.
Depending on where you live, you may need flood or earthquake coverage, but most insurers do not include these. You may have to purchase them as add-ons or as a separate policy. Always check the fine print to see if the level of coverage you need is included in your homeowners insurance coverage.
What Online Homeowners Insurance Tools Does AAA Offer?
AAA’s convenient online tools allow you to get an instant personalized quote, file claims and manage your account. Policyholders can log into their accounts to file claims, make payments or check their payment history, making it easy to manage your account from anywhere. You can also use the free AAA Mobile app to manage your account.
Other AAA Insurance Products
AAA offers insurance products in addition to homeowners insurance. The availability of different insurance products may vary depending on your location, so check with your local AAA agent for insurance coverages available in your area. Some of the other insurance products AAA offers are outlined below.
Type of Product
AAA auto insurance provides coverage for vehicles and includes unique coverages, such as OEM and personal property coverage. You can bundle AAA auto and homeowners policies to get discounts on your premium.
AAA offers universal, term and whole life insurance policies to cover the policyholder in the event of death.
AAA offers business insurance policies to cover business property, employees and business liability.
You can buy travel insurance from AAA to cover trip cancellations, interruptions and emergency medical care.
To evaluate AAA as a homeowners insurance company, MoneyGeek analyzed the AAA website, manually collected quotes and consulted consumer intelligence organizations, such as J.D. Power, the NAIC and AM Best.
About Mark Fitzpatrick
- AAA. "Home Insurance." Accessed April 29, 2022.
- AAA. "Insurance – Coverages and Services." Accessed April 29, 2022.
- Insurance Information Institute. "Facts + Statistics: Homeowners and Renters Insurance." Accessed April 29, 2022.
- J.D. Power. "Home Insurers Struggle with Customer Loyalty as Boomers Flock to Rental Market, J.D. Power Finds." Accessed April 29, 2022.
- NAIC. "Consumer Insurance Search Results." Accessed April 29, 2022.